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CD Laddering: Make the Climb to Financial Success
CD Laddering: Make the Climb to Financial Success

"CD laddering" is a great way to take advantage of the best CD rates for longer terms and ensure you have liquidity and flexibility when you need it.... Read More

Certificates of Deposit Combine Growth and Safety
Certificates of Deposit Combine Growth and Safety

What's the safest way to grow your money and still get a great rate? Many investors choose Certificates of Deposit (CDs), popular low-risk/high-yield FDIC-insured accounts that offer a broad range of maturities and yields.... Read More

Four Reasons to Make CDs Part of Your Investing Strategy
Four Reasons to Make CDs Part of Your Investing Strategy

Compared with more volatile investments, CDs offer a combination of access, liquidity, safety, and growth potential that make them an ideal choice for those looking to reduce risk in their portfolios.... Read More

How are CD Interest Rates Determined?
How are CD Interest Rates Determined?

CD interest rates are typically determined by the length of time until your CD matures, the current interest rate environment and the expected rate of return.... Read More

Money Markets Offer Rates that can Help your Savings Grow
Money Markets Offer Rates that can Help your Savings Grow

Money Market Accounts give you the best of both worlds by offering high yields with greater access to your money.... Read More

Advantages of Saving with a Money Market Account
Advantages of Saving with a Money Market Account

Do you have money that you don't want to risk in the stock market, but also needs protection from inflation eating away at its value? A Money Market Account could be a good choice.... Read More

Money Market Accounts vs CDs: Which is Best for You?
Money Market Accounts vs CDs: Which is Best for You?

The differences between Money Market Accounts and CDs center on interest rates, the potential for conveniences such as check writing, and your ability to make withdrawals without forfeiting interest.... Read More

Online Savings: A Smart Way to Save for your Goals
Online Savings: A Smart Way to Save for your Goals

Certain types of savings accounts are better than others for short- mid- and long-term goals. If you want to "park" money for an emergency fund or save for a down-payment on a new car, an online savings account can deliver what you want.... Read More

Three Steps to Help Save for Short-Term Goals
Three Steps to Help Save for Short-Term Goals

Pursuing short-term financial goals--those that you'd like to achieve within one to five years, can require a different strategy than pursuing long-term goals. Here are some simple steps to help you save and invest when you're going to need your money sooner rather than later.... Read More

Tips for Revving up Your Funds with Online Savings Accounts
Tips for Revving up Your Funds with Online Savings Accounts

"No pain, no gain." It's certainly an appropriate thought at the gym. But does that same "pain" have to apply to saving money? Saving money can be painless – especially when you tap the power of a high interest savings account.... Read More

An Online Savings Account Can Help with Unexpected Expenses
An Online Savings Account Can Help with Unexpected Expenses

Bad things happen (and often when we least expect it). And it's not always the big bumps that catch us off our financial guard. Sometimes it's the little things, like that unexpected trip to the emergency room.... Read More

Going Mobile with Your Online Savings Account
Going Mobile with Your Online Savings Account

Today, just about anything you can do from your home computer you can also do with your mobile device. That includes managing your deposit accounts.... Read More

Individual Retirement Accounts: Save for a Secure Future
Individual Retirement Accounts: Save for a Secure Future

Whether you're planning to retire in a couple years or a couple decades, the one plan you need right now is a tax-deferred Individual Retirement Account (IRA). An IRA is vital to your financial future—a form of "retirement insurance.".... Read More

Converting to a Roth IRA: Is it Right for You?
Converting to a Roth IRA: Is it Right for You?

Should you convert all or a portion of your Traditional IRA assets to a Roth IRA account? Until recently, retirement investors could only do so if their modified adjusted gross incomes were $100,000 or less. But this restriction was removed in 2010.... Read More

The Roth Individual Retirement Account
The Roth Individual Retirement Account

A Roth IRA allows you to avoid future taxation of your retirement funds by making nondeductible contributions now. Contributions for the 2013 tax year can be made up to and including the April 2014 tax-filing deadline…. Read More

What's Happening With Your IRA? Time for a Checkup
What's Happening With Your IRA? Time for a Checkup

Most of us understand that visiting a doctor is important in maintaining our long-term health. Sometimes it's a good idea to do the same thing with our investments. Given changes in tax laws, a "checkup" could be a good idea if you have an Individual Retirement Account (IRA).... Read More

You and Your Budget: Live Within Your Means
You and Your Budget: Live Within Your Means

By creating and following a budget, you may have a better chance of reaching certain financial goals -- and budgeting may not be as difficult as you think.... Read More

The Importance of Emergency Savings
The Importance of Emergency Savings

Most financial experts recommend setting aside enough money to cover three to six months' worth of expenses in the event of a major financial surprise.... Read More

Saving Strategies: 10 Easy Ways to Spend Less and Save More
Saving Strategies: 10 Easy Ways to Spend Less and Save More

If you'd like to invest more but are having trouble finding the money, take a look at these simple tips for better money management.... Read More

Why you Need a Financial Plan
Why you Need a Financial Plan

Studies have shown that financial planning plays a key role in achieving major life goals. Why wait any longer? Start assessing your current situation, setting goals, and planning for your own financial future today.... Read More

An Early Start Puts You Ahead
An Early Start Puts You Ahead

Although it's never too late to begin saving, an early start can give you a real boost toward reaching your financial goals. If you want to keep the price of a comfortable retirement or a college education within your reach, the question is, can you afford to wait?.... Read More

Take Advantage of the Financial Power of Youth
Take Advantage of the Financial Power of Youth

If you're in your 20s, it's likely you're facing many financial responsibilities. It can be difficult to invest for retirement but the younger you are when you begin, the more likely you are to achieve the goal of financial security later in life.... Read More

Put Time On Your Side With the Power of Compounding
Put Time On Your Side With the Power of Compounding

Sometimes people put off saving for retirement because so many other things seem to get in the way. Do you find yourself among them? If so, try to overcome the urge to procrastinate and start saving as soon as possible.... Read More

A Lifetime of Investing -- How to Get Started
A Lifetime of Investing -- How to Get Started

You're just out of college or you're in the early years of your career. How do you begin to pursue your financial goals at a time when you may have limited income and a variety of expenses to cope with? It may not be as difficult as it sounds.... Read More

Employer Sponsored Retirement Plans Adding Up the Pluses
Employer Sponsored Retirement Plans Adding Up the Pluses

Have you ever wondered why financial planners say employer-sponsored plans should be the first priority for people saving for retirement? Let's look at the key reasons why.... Read More

401(k) Decisions -- You Can Take it With You
401(k) Decisions -- You Can Take it With You

If you are preparing to change jobs, do you know what your choices are for managing the money in your current employer's retirement plan? Although many people choose to take a cash distribution, there are other options that may benefit you more.... Read More

Before Taking a Retirement Plan Loan, Take a Long, Hard Look
Before Taking a Retirement Plan Loan, Take a Long, Hard Look

Borrowing money from an employer-sponsored retirement plan may seem like an effective solution to a pressing financial need. But gaining access to your retirement investments to enhance your short-term cash flow isn't necessarily the best long-term strategy.... Read More

Doing the Math: How Much Will You Need for Retirement
Doing the Math: How Much Will You Need for Retirement?

Even though calculating a retirement savings goal is key to pursuing and maintaining a confident financial outlook, just 46% of American workers have figured out how much money they will need to accumulate for retirement.... Read More

What kind of retirement do you want?
What kind of retirement do you want?

To enhance your chances of living the retirement lifestyle that you desire, you may want to start by making decisions about how you want to live and basing your financial planning on these lifestyle parameters.... Read More

Calculating Your Retirement Needs
Calculating Your Retirement Needs

When retirement was years away, calculating how much income you may need may have involved a lot of estimates. Now you can be more accurate. Consider the following factors.... Read More

When Markets Turn Volatile, Keep a Long-Term Focus
When Markets Turn Volatile, Keep a Long-Term Focus

"As an investor, now may be a good time to concentrate on the long term as a means to reducing the short-term effects of market volatility. Here are several investment strategies that may help you achieve this objective.".... Read More

Balancing Act Saving for Both Retirement and College
Balancing Act Saving for Both Retirement and College

Millions of Americans are finding it a struggle to balance the high cost of higher education while saving for their own retirement. If you're one of them or would like to help someone faced with this situation,there are steps you can take to help overcome this double-sided planning hurdle.... Read More

Your Assignment  -- Pay for College and Retirement
Your Assignment -- Pay for College and Retirement

Even though the overall cost of attending college continues to rise above the average rate of inflation, it's still possible to continue investing for retirement while preparing to finance higher education. This article offers some suggestions for pursuing both of those goals.... Read More

Your Annual Retirement Tune-Up: 3 Steps to Get You Started
Your Annual Retirement Tune-Up: 3 Steps to Get You Started

"Regardless of where you're at in your career, one fact holds true: conducting an annual retirement tune-up now may be the best way to pursue your dream of a secure retirement.".... Read More

A Retirement Reality Check?
A Retirement Reality Check?

If you have already retired or are close to retirement then please heed this friendly warning: unless you're already making the most of your current retirement planning strategies, then it may be difficult to lay the groundwork for a financially secure future. Consider these strategies to help improve your long-term outlook.... Read More

Retiree Challenge: Making Your Money Last?
Retiree Challenge: Making Your Money Last?

The ultimate goal for most retirees is making sure their assets last as long as they live. And because of increased longevity, managing cash flow is more critical than ever.... Read More

Three Key Retirement Income Considerations
Three Key Retirement Income Considerations

There are two factors that can determine whether you'll have a comfortable retirement: The amount of money you've saved and how quickly you spend that nest egg after you retire.... Read More

Now That Your Retired, Maximize Your Retirement Income
Now That Your Retired, Maximize Your Retirement Income

Those long-awaited golden years have arrived, and you're enjoying a well-deserved retirement. You've saved and invested wisely to provide a financial cushion. Where do you go from here?.... Read More

Investing for Your Later Years: Think Asset Preservation but Don't Forget Growth
Investing for Your Later Years: Think Asset Preservation but Don't Forget Growth

After years of investing for retirement, you may have accumulated a substantial portfolio. If you're approaching or already enjoying retirement, there are important steps that you can take to help ensure that your investment plan is on track for your Golden Years.... Read More

Retiring: Turn to CDs for Cash Flow
Retiring: Turn to CDs for Cash Flow

If you are retired and need to fill a gap in your monthly income stream, save for other medium- to long-term goals or supplement your existing investment mix, CDs can provide a safe, liquid and practical solution.... Read More

Staying Focused
Staying Focused

Preparing for an annual financial review may be easier with a checklist to help you focus on important matters. With that in mind, here is a list of key considerations that you may want to discuss with your financial advisor.... Read More

Give Your Retirement Plan a Tune-up
Give Your Retirement Plan a Tune-up

Conducting an annual review of your retirement goals and strategy is an ideal way to ensure that your plans for your financial future remain realistic and on track.... Read More

Financial Review Checklist
Financial Review Checklist

You don't need to wait until the beginning or the end of the year for a financial review, especially if your investment mix, risk tolerance, or time horizon has changed recently.... Read More

Protecting Yourself Online
Protecting Yourself Online

It's easy to take online banking for granted. But that doesn’t mean you should take your online security for granted. Cyber crime is serious business, and you need to remain vigilant about the safety of your personal information.... Read More

Saving And Budgeting: Tips to help you through Tough Times
Saving And Budgeting: Tips to help you through Tough Times

When the economy stumbles or financial hardships strike, your family budget might take a hit. These tips can help get your budget back on track.... Read More

Making Your Life Easier with Online Banking
Making Your Life Easier with Online Banking

Today’s online banking customer enjoys instant access from their computer or mobile device to a full range of services, allowing you to check balances, pay bills, transfer balances and access your account 24/7.... Read More